UnitedHealth (UNH) Stock Analysis
NYQ · Healthcare · Healthcare Plans
$376.59
+1.58 (+0.42%)
UNH Interactive Price Chart & Trading Signals
UNH Stock Snapshot — Valuation, Risk & Technical Signals
UNH Key Fundamentals, Analyst Targets & Company Profile
Key Financial Ratios
Market Cap
$338.03B
P/E Ratio
24.22
Forward P/E
16.66
PEG Ratio
1.02
P/B Ratio
3.46
EPS
$15.55
Dividend Yield
2.46%
52W Range
$255.97 – $461.62
Beta
0.62
Volume
4.1M
ROE
14.2%
Profit Margin
3.1%
Revenue Growth
0.4%
Gross Margin
19.7%
EV/EBITDA
14.52
Analyst Target
$481.72
The trailing price-to-earnings ratio stands at 24.2x. Forward P/E of 16.7x implies earnings expansion expected. Price-to-book is 3.46x. EV/EBITDA sits at 14.52x. Market capitalization is $338.03B. Revenue is growing at 0.4% on a trailing basis. Earnings are expanding at 61.5%. Profit margins are 3.1%. Return on equity is 14.2%. Beta of 0.62 indicates defensive profile.
Analyst Consensus
Recommendation
Buy
Low Target
$380.00
Mean Target
$481.72
High Target
$529.00
Based on 25 analysts
About UnitedHealth
UnitedHealth Group Incorporated operates as a health care company in the United States and internationally. It operates through four segments: Optum Health, Optum Insight, Optum Rx; and UnitedHealthcare. The Optum Health segment provides care delivery, care management, wellness and consumer engagement, and health financial services with patients, consumers, care delivery systems, providers, employers, payers, and public-sector entities. The Optum Insight segment offers software and information products, advisory consulting arrangements, and managed services outsourcing contracts to hospital systems, physicians, health plans, public entities, life sciences companies and other organizations. The Optum Rx segment provides pharmacy care services and programs, including retail network contracting, home delivery, specialty and community health pharmacy services, infusion, and purchasing and clinical capabilities, as well as develops programs in the areas of step therapy, formulary management, drug adherence, and disease and drug therapy management. The UnitedHealthcare segment offers consumer-oriented health benefit plans and services for national employers, public sector employers, mid-sized employers, small businesses, and individuals; Medicaid plans, including Temporary Assistance to Needy Families; Children's Health Insurance Programs; Dual SNPs; Long-Term Services and Supports; Aged, Blind and Disabled; and other federal, state, and community health care programs. and health care benefits products and services to state programs caring for the economically disadvantaged, medically underserved, and those without the benefit of employer-funded health care coverage. UnitedHealth Group Incorporated was founded in 1974 and is based in Eden Prairie, Minnesota.
UNH Deep Dive Analysis
Bottom Line
Verdict
UndervaluedBest for
Value-oriented investorsWatch out for
None flaggedNon-zero inputs
4/5Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.
UnitedHealth Group Incorporated (UNH) trades below our multi-model fair value estimate of $808.24 by approximately 114.6%. Trailing P/E: 24.2x. Profitability signals include profit margin of 3.1% and return on equity of 14.2%. Recent growth metrics show revenue growth of 0.4% and earnings growth of 61.5%. Risk profile: defensive beta of 0.62. Consensus: buy.
Valuation, Growth & Risk
Valuation
Undervalued
P/E 24.2x
Price sits below our estimate of fair value.
Growth
Stable
Rev 0.4%
Revenue is moving sideways.
Risk
Low
Beta 0.62
Movement is likely to track the broader market.
Valuation Snapshot
UnitedHealth Group Incorporated (UNH) trades below our multi-model fair value estimate of $808.24 by approximately 114.6%. The trailing price-to-earnings ratio stands at 24.2x. Forward P/E of 16.7x suggests earnings compression ahead. Price-to-sales is 0.8x. Price-to-book is 3.5x. EV/EBITDA sits at 14.5x. Market capitalization is $338.03B.
Why it matters: Buying below fair value can create a margin of safety, but always check earnings quality.
Growth & Profitability
Revenue is growing at 0.4% on a trailing basis. Earnings are expanding at 61.5%. Profit margins are 3.1%. Return on equity is 14.2%. Return on assets is 4.9%.
Why it matters: Stable revenue is fine, but watch for margin pressure that could limit profit growth.
Risk Profile
Beta of 0.62 indicates defensive profile. Net debt position is $41.86B.
Why it matters: Lower risk means steadier returns, but often with less upside in bull markets.
Analyst Context
Analyst consensus target of $481.72 implies 27.9% upside. Target range spans $380.00 to $529.00. 25 analysts cover the stock. Consensus recommendation: buy.
Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.
Investor Fit
The combination of undervaluation and moderate risk may suit value-oriented investors.
Takeaway: Match the stock's risk-reward profile with your own goals and time horizon. No single metric tells the whole story.
Data Methodology & Sources
Market Data (Facts)
- Price, volume, and market cap: Yahoo Finance (may be delayed)
- P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
- Analyst estimates: Yahoo Finance (coverage and update times vary)
- Insider transactions: Yahoo Finance (reporting may be delayed)
QuantSoar Model (Derived)
- Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
- Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
- Composite Score: 40% Value + 30% Momentum + 30% Risk
- Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.
Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.
UNH Undervalued
UnitedHealth Group Incorporated (UNH) trades below our multi-model fair value estimate of $808.24 by approximately 114.6%.
Frequently Asked Questions
ValuationIs UNH stock overvalued right now?
ValuationWhat is UNH fair value based on current fundamentals?
RiskHow risky is UNH compared with other stocks?
GrowthIs UNH still growing?
AnalystWhat do analysts think about UNH?
DividendDoes UNH pay a dividend?
CatalystWhat could change the investment case for UNH?
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About the Author
Phasakorn Traklang (Peach) — Founder
Phasakorn Traklang (Peach) is the founder of QuantSoar, bringing expertise in SEO, web development, and technical analytics to build an AI-powered investment platform accessible to retail investors worldwide.
Connect on LinkedInInvestment Disclaimer: Tax treatment can depend on tax residence, account type, and tax year. This information is general and is not personal tax or investment advice. SEC
Data: Yahoo Finance / SEC EDGAR / Alpha Vantage / Finnhub. AI outputs verified against source data.